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Partial transfer query
Hi all, I've got a number of balance transfers on a Barclaycard and while most of them are on target, I've slightly gone off-track with the most recent one and am behind clearing it by a month. It's nothing major as I can most likely still cover it but on the basis I cannot, I wanted to know how a partial transfer works.…
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Advice re: paying off an amount on credit card.
I have an MBNA card with about 3300 on it. It was from a couple of balance transfer amounts so I am paying it off interest free for now. I also have 650 on my HSBC card. I currently have approx 1500 spare to pay off some of credit card. Question is : do I pay off the 650 balance and the remainder off the MBNA card or do I…
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Never had a credit card
I'm 43 and never applied for a credit card. My parents were always against them and told me if I can't afford to pay for it then don't bother. This has always stuck with me. I have been a carer for my mum for about 6 years which means I am on benefits. I am single and have 2 children. Do you think there is any chance that…
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Credit Card Dispute
Hello I just purchased tickets from Get Me In but now I need to cancel my order. According to the website this is not possible and I have try to resell the tickets, so with booking fees taken into account I will undoubtedly be out of pocket even if I do manage to sell them. Can I cancel the order by raising a dispute…
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card protection
had a lloyds visa card for years and used to pay a percentage of total bill price every time i used it was told it was for fraud theft etc i never asked for it . would this be classed as ppi
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Credit cards/credit score
I've just been accepted for a 0% balance transfer card and have cleared my Barclaycard with it. I also have two other credit cards (one is a closed account in order to keep a low APR, and one is an open account). This means that there are now four credit cards on my credit file. In terms of maintaining my (good) credit…
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Balance transfer declined with good credit score?
Hi folks I’ve just joined the forum as I wondered if someone could shed some light on a situation I have. So, yesterday I tried to transfer the balance on my Barclaycard to a Santander card (new application) after reading on here it was a good long term 0% deal. I’m currently paying 13.7% on the Barclaycard, so want to…
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Advice on AMEX
Hi Guys! Just did the eligibility checker on the American Express site and got a 9.5/10 chance of approval for all of the cards :T:T:T Seeing that is quite something for me as I have never felt my credit history has ever been good even though I have no CCJs, Defauls to late payments, I just never felt as though I was…
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M&S balance transfer card
Hi all... hope someone can help. I applied for the M&S card above about 3 days ago thru MSE link. After filling out the online form it said application sent. But to date, I have heard nothing of it nor received any email about it from M&S. Am I just to wait and hope one day I get a feedback at least of wether I got…
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Am I best to clear credit cards with loan before or after applying for mortgage?
Hi, I have 3 credit cards with totalling balances of £15k. The combined credit limit is £31k which is marking a negative on my credit score. I'd like to clear the cards with 1 loan for £15k for both lower rate and convenience but I'm planning to move house (I already own my property with a mortgage) and wonder am I best to…
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Chance of acceptance for Barclaycard Travel Card
Is this a particularly difficult card to get? As the MSE eligibility calculator only gives me a 10 to 60% chance of acceptance for this, although it gives 90% plus for all the others. I already have Halifax Clarity Mastercard (and mbna Amex) which work well. But, I am planning a trip to Madagascar and apparently they only…
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Are CC fees non refundable.
Had to cancel holiday on docs advice and insurance has paid out minus APD and CC fee.was told to contact airline for the APD but cos flights were booked thru holday company i have to wait for airline to pay them before they refund.regarding the CC fee they told me it was non refundable but m&s tell me different.trying to…
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Free USD credit card in UK
Hey, looking for a free USD credit card, am based in the UK. Have an HSBC account - do they offer one with their currency account? Does Fineco offer one with their multi-currency account? Thanks
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New American Express Rewards Credit Card
A very superficial question... But does anyone have this card, and is it transparent or white? (The one with the blue orb in the middle). I know they did transparent cards in the past, but the render of the new one looks white on the website...
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Credit Card Debt - Terminally Ill
Hi A family member is terminally ill. They have unsecured credit card debt they are paying back monthly. 2 questions 1. What would happen upon death. Will the debt transfer to their spouse 2. What if they just stopped paying the debt now? Thanks
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Amex gold - 20k MR point
Hi, Looking for some advice re 20k MR points, I can save all the hassle and just get the £100 Amazon/MS gift card I have been looking for the avois/BA flight and nothing I really catch my eye, espeically from Manchester there's no direct flight, having pay £35 tax it's not much of a bargain flight compare to budget airline…
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Paying a cheque into a Nationwide credit card account
How long should it take for a cheque to clear when paying off a Nationwide credit card? I paid in a cheque on Saturday at my local branch of Nationwide and Barclays. It is now Friday and the Nationwide cheque hasn't cleared whereas the Barclaycard one cleared on Wednesday. :think:
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Advise on how Balance Transfers work
Hi there, Forgive me if this has already been asked a 100 times before but I'd like to know how Balance Transfer credit cards work. I'm considering this at the moment but have never done it before, and I am nervous about money and debt, so have any one actually done this and how does it work? Many thanks in advance ARS
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Advice please. Interest exceed minimum payment this month
This month I noticed that my interest charges on my credit card were actually higher than the minimum payment. No purchases have been made on the card in recent months, however we were on a 0% offer which has subsequently ended. Clearly the interest has now kicked in, that is not in question. But I believe the law on…
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Monarch Section 75 Claim or Disputed Transaction?
I've been affected by the Monarch collapse. I had a flight booked with them (that was not ATOL protected) and paid for with my Virgin credit card. I contacted Virgin stating that I wanted to make a claim under Section 75 Consumer Credit Act. They've now sent me a Disputed Transaction form to complete. I'm not sure that…
